Drivers always find a reason to push themselves into inclement weather unnecessarily. This is often a mistake and can lead to several problems arising in the vehicle itself as well as the insurance policy. Driving in stormy weather presents several distinct dangers to the driver, the vehicle and the insurance policy. If there is any way a driver can avoid driving through inclement weather like snowstorms, ice storms or heavy rain, they should absolutely avoid doing so.
Wet, icy and slick road conditions present a very real danger to drivers. Heavy weather can obscure visibility and keep drivers from noticing roadside objects or debris. Cars can slip on ice and snow and face several dangers. Careening into roadside objects, other vehicles and simply running off the road are all commonplace in major storms.
Storms also tend to mean heavy wind and extensive debris in the air. This can lead to both driving hazards and significant damage to the exterior of a vehicle. Hail, flying rocks and other particles that pick up during a windstorm can abrade vehicles exterior or damage the auto glass. Extreme winds, like those in major windstorms and tornadoes, can outright shatter auto glass.
All of this storm related damage almost always negatively affects an insurance companies view of a driver’s record. Drivers can end up paying higher premiums and getting less value from an insurance policy due to storm related damage. We know emergencies happen, but if you can help it, avoid driving through storms whenever possible.